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How Do You Recover From a Major Financial Mistake Without Making It Worse? · Becoming Financially Confident

• 0:37
  Maybe
• 0:37
  you've
• 0:38
  been
• 0:38
  there.
• 0:38
  You
• 0:39
  walk
• 0:39
  into
• 0:39
  a
• 0:39
  dealership
• 0:40
  and
• 0:40
  you're
• 0:40
  feeling
• 0:40
  excited,
• 0:41
  maybe
• 0:42
  a
• 0:42
  little
• 0:42
  nervous,
• 0:43
  and
• 0:43
  you're
• 0:44
  ready
• 0:44
  to
• 0:44
  finally
• 0:44
  feel
• 0:45
  like
• 0:45
  you
• 0:45
  made
• 0:45
  it.
• 0:46
  And
• 0:46
  you
• 0:46
  walk
• 0:46
  out
• 0:47
  with
• 0:47
  a
• 0:47
  payment
• 0:47
  that
• 0:47
  made
• 0:48
  sense
• 0:48
  in
• 0:48
  the
• 0:48
  moment
• 0:49
  but
• 0:49
  now
• 0:49
  feels
• 0:50
  like
• 0:50
  a
• 0:50
  weight
• 0:50
  you
• 0:50
  carry
• 0:51
  everywhere.
• 0:52
  Fast
• 0:52
  forward
• 0:53
  a
• 0:53
  year
• 0:53
  later
• 0:53
  and
• 0:54
  you're
• 0:54
  still
• 0:54
  paying
• 0:55
  and
• 0:55
  it
• 0:55
  barely
• 0:56
  feels
• 0:56
  like
• 0:56
  you
• 0:56
  made
• 0:56
  a
• 0:57
  dent.
• 0:57
  Every
• 0:58
  month
• 0:58
  is
• 0:58
  this
• 0:58
  quiet
• 0:59
  reminder
• 0:59
  of
• 0:59
  a
• 1:00
  decision
• 1:00
  you
• 1:00
  wish
• 1:00
  you
• 1:00
  could
• 1:01
  undo.
• 1:02
  And
• 1:02
  underneath
• 1:02
  that
• 1:03
  financial
• 1:03
  pressure
• 1:04
  is
• 1:04
  a
• 1:04
  painful
• 1:05
  question.
• 1:06
  How
• 1:07
  do
• 1:07
  you
• 1:07
  recover
• 1:07
  from
• 1:07
  a
• 1:07
  major
• 1:08
  money
• 1:08
  mistake
• 1:09
  without
• 1:09
  letting
• 1:10
  shame
• 1:10
  push
• 1:10
  you
• 1:10
  into
• 1:11
  an
• 1:11
  even
• 1:11
  worse
• 1:11
  one?
• 1:12
  We're
• 1:12
  going
• 1:13
  to
• 1:13
  break
• 1:13
  that
• 1:13
  down
• 1:13
  on
• 1:13
  today's
• 1:14
  show.
• 1:23
  Hello,
• 1:23
  friend.
• 1:24
  Ralph
• 1:24
  Estep
• 1:25
  Jr.
• 1:25
  Here.
• 1:25
  I
• 1:26
  want
• 1:26
  to
• 1:26
  welcome
• 1:26
  you
• 1:26
  to
• 1:26
  Financially
• 1:27
  Confident
• 1:27
  Christian.
• 1:28
  And
• 1:28
  today
• 1:29
  we're
• 1:29
  going
• 1:29
  to
• 1:29
  talk
• 1:29
  about
• 1:30
  financial
• 1:30
  regrets
• 1:31
  and
• 1:32
  what
• 1:32
  to
• 1:32
  do
• 1:32
  when
• 1:32
  one
• 1:33
  decision
• 1:33
  starts
• 1:34
  to
• 1:34
  feel
• 1:34
  bigger
• 1:34
  than
• 1:34
  you
• 1:35
  expected.
• 1:36
  And
• 1:36
  today
• 1:37
  isn't
• 1:37
  about
• 1:37
  the
• 1:37
  pressure,
• 1:38
  just
• 1:38
  being
• 1:38
  the
• 1:38
  payment.
• 1:39
  It's
• 1:40
  that
• 1:40
  shame,
• 1:41
  it's
• 1:41
  that
• 1:41
  self
• 1:42
  blame,
• 1:43
  and
• 1:43
  it's
• 1:43
  that
• 1:43
  fear
• 1:43
  that
• 1:44
  you've
• 1:44
  set
• 1:44
  yourself
• 1:44
  back
• 1:45
  for
• 1:45
  years.
• 1:46
  It's
• 1:46
  all
• 1:47
  about
• 1:47
  where
• 1:47
  you
• 1:47
  are.
• 1:48
  And
• 1:48
  so
• 1:48
  today
• 1:49
  I
• 1:49
  want
• 1:49
  to
• 1:49
  help
• 1:49
  you
• 1:49
  slow
• 1:50
  down.
• 1:50
  I
• 1:50
  want
• 1:50
  to
• 1:50
  help
• 1:51
  you
• 1:51
  think
• 1:51
  clearly
• 1:52
  and
• 1:52
  take
• 1:52
  the
• 1:52
  next
• 1:53
  wise
• 1:53
  step.
• 1:53
  Which
• 1:53
  leads
• 1:54
  us
• 1:54
  to
• 1:54
  today's
• 1:55
  listener
• 1:55
  question.
• 1:56
  Listener
• 1:57
  writes
• 1:57
  this
• 1:57
  Ralph,
• 1:58
  I
• 1:58
  got
• 1:58
  my
• 1:58
  first
• 1:59
  real
• 1:59
  job.
• 2:00
  I
• 2:00
  wanted
• 2:00
  to
• 2:00
  feel
• 2:01
  successful,
• 2:02
  and
• 2:02
  I
• 2:02
  ended
• 2:02
  up
• 2:03
  walking
• 2:03
  out
• 2:03
  of
• 2:03
  a
• 2:03
  dealership
• 2:04
  with
• 2:04
  a
• 2:04
  car
• 2:04
  payment
• 2:05
  that
• 2:05
  now
• 2:05
  feels
• 2:05
  like
• 2:05
  a
• 2:06
  trap
• 2:07
  between
• 2:07
  loan
• 2:07
  and
• 2:08
  insurance.
• 2:09
  I'm
• 2:09
  paying
• 2:09
  around
• 2:09
  $1,000
• 2:10
  a
• 2:10
  month,
• 2:11
  and
• 2:11
  after
• 2:12
  a
• 2:12
  year
• 2:12
  of
• 2:12
  payments,
• 2:13
  it
• 2:13
  barely
• 2:14
  feels
• 2:14
  like
• 2:14
  I've
• 2:14
  made
• 2:14
  a
• 2:15
  dent.
• 2:16
  I
• 2:16
  keep
• 2:16
  thinking
• 2:16
  about
• 2:17
  how
• 2:17
  much
• 2:17
  this
• 2:17
  decision
• 2:17
  is
• 2:18
  costing
• 2:18
  my
• 2:18
  future.
• 2:19
  And
• 2:20
  honestly,
• 2:20
  Ralph,
• 2:21
  I
• 2:21
  have
• 2:21
  a
• 2:22
  ton
• 2:22
  of
• 2:22
  regrets.
• 2:23
  I
• 2:23
  know
• 2:23
  I
• 2:24
  made
• 2:24
  a
• 2:24
  bad
• 2:24
  call.
• 2:25
  I'm
• 2:25
  not
• 2:25
  trying
• 2:26
  to
• 2:26
  avoid
• 2:26
  responsibility.
• 2:28
  I'm
• 2:28
  trying
• 2:28
  to
• 2:28
  figure
• 2:29
  out
• 2:29
  how
• 2:29
  to
• 2:29
  stop
• 2:29
  the
• 2:30
  damage
• 2:30
  before
• 2:30
  it
• 2:30
  wrecks
• 2:31
  the
• 2:31
  next
• 2:31
  several
• 2:31
  years
• 2:32
  of
• 2:32
  my
• 2:32
  life.
• 2:33
  Every
• 2:34
  month
• 2:34
  I
• 2:34
  keep
• 2:34
  this
• 2:34
  car,
• 2:35
  it
• 2:35
  feels
• 2:35
  like
• 2:35
  I'm
• 2:35
  falling
• 2:36
  further
• 2:36
  behind
• 2:36
  financially.
• 2:38
  Yet
• 2:38
  getting
• 2:38
  out
• 2:38
  of
• 2:39
  it
• 2:39
  feels
• 2:39
  impossible,
• 2:40
  too.
• 2:41
  How
• 2:41
  do
• 2:41
  you
• 2:41
  recover
• 2:42
  from
• 2:42
  a
• 2:42
  major
• 2:42
  financial
• 2:43
  mistake
• 2:44
  without
• 2:44
  letting
• 2:45
  shame
• 2:45
  or
• 2:45
  panic
• 2:46
  push
• 2:46
  you
• 2:46
  into
• 2:46
  an
• 2:47
  even
• 2:47
  worse
• 2:47
  one?
• 2:48
  Thank
• 2:49
  you
• 2:49
  so
• 2:49
  much
• 2:49
  for
• 2:49
  that
• 2:50
  question.
• 2:51
  And
• 2:51
  I'm
• 2:51
  going
• 2:51
  to
• 2:51
  share
• 2:51
  with
• 2:51
  you
• 2:51
  a
• 2:52
  little
• 2:52
  bit
• 2:52
  later
• 2:52
  how
• 2:52
  I've
• 2:53
  made
• 2:53
  that
• 2:53
  same
• 2:53
  decision
• 2:54
  myself.
• 2:55
  But
• 2:55
  I
• 2:55
  want
• 2:56
  to
• 2:56
  start
• 2:56
  off
• 2:56
  with
• 2:56
  this
• 2:56
  big
• 2:56
  idea.
• 2:57
  A
• 2:58
  painful
• 2:58
  financial
• 2:59
  decision
• 3:00
  doesn't
• 3:00
  have
• 3:00
  to
• 3:01
  become
• 3:01
  a
• 3:01
  permanent
• 3:01
  financial
• 3:02
  identity.
• 3:03
  Today
• 3:04
  I
• 3:04
  want
• 3:04
  to
• 3:04
  tell
• 3:04
  you
• 3:04
  how
• 3:04
  to
• 3:04
  break
• 3:05
  free
• 3:05
  of
• 3:05
  that.
• 3:05
  And
• 3:05
  here's
• 3:06
  how
• 3:06
  it
• 3:06
  starts.
• 3:07
  You
• 3:07
  got
• 3:07
  to
• 3:07
  start
• 3:07
  by
• 3:08
  separating
• 3:08
  the
• 3:08
  mistake
• 3:09
  from
• 3:09
  your
• 3:09
  worth.
• 3:10
  You
• 3:11
  made
• 3:11
  a
• 3:11
  decision
• 3:11
  in
• 3:12
  a
• 3:12
  moment
• 3:12
  where
• 3:12
  Emotion
• 3:13
  and
• 3:14
  pressure
• 3:15
  and
• 3:15
  excitement.
• 3:16
  We're
• 3:16
  all
• 3:16
  working
• 3:16
  together.
• 3:17
  They
• 3:17
  were
• 3:17
  all
• 3:17
  working
• 3:18
  to
• 3:18
  get
• 3:18
  you
• 3:18
  to
• 3:19
  this
• 3:19
  decision.
• 3:20
  And
• 3:20
  that
• 3:21
  doesn't
• 3:21
  mean
• 3:21
  you're
• 3:21
  foolish
• 3:22
  as
• 3:22
  a
• 3:22
  person.
• 3:23
  It
• 3:24
  just
• 3:24
  means
• 3:24
  you
• 3:24
  made
• 3:24
  an
• 3:25
  expensive
• 3:25
  decision,
• 3:26
  and
• 3:26
  now
• 3:27
  you've
• 3:27
  got
• 3:27
  to
• 3:27
  think
• 3:27
  about
• 3:27
  a
• 3:28
  wise
• 3:28
  response.
• 3:30
  The
• 3:30
  problem
• 3:30
  with
• 3:30
  so
• 3:31
  many
• 3:31
  of
• 3:31
  us,
• 3:31
  we
• 3:31
  fart
• 3:31
  to
• 3:32
  feel
• 3:32
  this
• 3:32
  shame.
• 3:33
  And
• 3:33
  when
• 3:33
  we
• 3:34
  feel
• 3:34
  shame,
• 3:34
  we
• 3:34
  avoid
• 3:35
  the
• 3:35
  numbers,
• 3:36
  we
• 3:36
  delay
• 3:37
  the
• 3:37
  action,
• 3:38
  and
• 3:38
  we
• 3:38
  keep
• 3:38
  bad
• 3:39
  situations
• 3:39
  longer
• 3:40
  than
• 3:40
  we
• 3:40
  should
• 3:40
  keep
• 3:41
  them.
• 3:41
  But
• 3:42
  here's
• 3:42
  the
• 3:42
  issue.
• 3:42
  You
• 3:43
  can't
• 3:43
  solve
• 3:44
  anything
• 3:45
  while
• 3:45
  you're
• 3:45
  busy
• 3:45
  attacking
• 3:46
  yourself,
• 3:47
  so
• 3:47
  you
• 3:47
  got
• 3:47
  to
• 3:48
  own
• 3:48
  it
• 3:48
  right
• 3:48
  away.
• 3:48
  You
• 3:49
  made
• 3:49
  a
• 3:49
  mistake,
• 3:50
  but
• 3:50
  you
• 3:50
  are
• 3:50
  not
• 3:51
  the
• 3:51
  mistake.
• 3:52
  Next
• 3:52
  thing
• 3:53
  you
• 3:53
  got
• 3:53
  to
• 3:53
  do
• 3:53
  is
• 3:54
  you
• 3:54
  got
• 3:54
  to
• 3:54
  stop
• 3:54
  turning
• 3:55
  this
• 3:55
  into
• 3:55
  a
• 3:56
  life
• 3:56
  sentence.
• 3:57
  You
• 3:57
  said
• 3:57
  it.
• 3:57
  You
• 3:57
  feel
• 3:58
  like
• 3:58
  I've
• 3:58
  made
• 3:58
  a
• 3:58
  decision
• 3:59
  I'm
• 3:59
  never
• 3:59
  going
• 3:59
  to
• 3:59
  be
• 4:00
  able
• 4:00
  to
• 4:00
  recover
• 4:00
  from.
• 4:01
  And
• 4:01
  I
• 4:01
  know
• 4:02
  right
• 4:02
  now
• 4:02
  that
• 4:02
  probably
• 4:03
  feels
• 4:03
  huge
• 4:04
  because
• 4:04
  it
• 4:04
  shows
• 4:05
  up
• 4:05
  every
• 4:05
  single
• 4:06
  month
• 4:06
  like
• 4:06
  clockwork.
• 4:07
  You
• 4:07
  got
• 4:07
  to
• 4:07
  pay
• 4:07
  that
• 4:07
  again.
• 4:09
  And
• 4:09
  that
• 4:09
  monthly
• 4:09
  regret
• 4:10
  has
• 4:10
  a
• 4:10
  way
• 4:10
  of
• 4:10
  making
• 4:10
  the
• 4:11
  future
• 4:11
  feel
• 4:11
  hopeless.
• 4:12
  Trust
• 4:12
  me,
• 4:12
  I've
• 4:13
  been
• 4:13
  there.
• 4:14
  This
• 4:14
  is
• 4:14
  a
• 4:14
  serious
• 4:15
  situation,
• 4:15
  yes,
• 4:17
  but
• 4:17
  it's
• 4:17
  not
• 4:17
  permanent
• 4:18
  unless
• 4:18
  you
• 4:19
  refuse
• 4:19
  to
• 4:19
  face
• 4:20
  it.
• 4:21
  Plenty
• 4:21
  of
• 4:21
  people
• 4:22
  have
• 4:22
  made
• 4:22
  painful
• 4:23
  car
• 4:23
  decisions.
• 4:24
  I'm
• 4:24
  one
• 4:25
  of
• 4:25
  them.
• 4:25
  And
• 4:26
  we've
• 4:26
  still
• 4:26
  gone
• 4:26
  on
• 4:27
  to
• 4:27
  build
• 4:27
  healthy
• 4:27
  financial
• 4:28
  lives.
• 4:29
  I'm
• 4:29
  going
• 4:29
  to
• 4:29
  tell
• 4:29
  you
• 4:29
  about
• 4:30
  this.
• 4:30
  This
• 4:31
  one
• 4:31
  Saturday,
• 4:31
  I
• 4:32
  decided
• 4:32
  I'd
• 4:32
  go
• 4:32
  for
• 4:33
  a
• 4:33
  ride.
• 4:33
  The
• 4:33
  kids
• 4:33
  were
• 4:33
  really
• 4:34
  young,
• 4:35
  and
• 4:35
  I
• 4:35
  was
• 4:35
  out
• 4:35
  driving,
• 4:35
  and
• 4:36
  I
• 4:36
  pulled
• 4:36
  up
• 4:36
  next
• 4:36
  to
• 4:37
  this
• 4:37
  car
• 4:37
  dealership,
• 4:38
  and
• 4:38
  there
• 4:38
  was
• 4:38
  a
• 4:38
  beautiful
• 4:39
  red
• 4:39
  Corvette
• 4:40
  out
• 4:40
  front.
• 4:41
  Now,
• 4:41
  I
• 4:42
  love
• 4:42
  Corvettes.
• 4:42
  I've
• 4:43
  actually
• 4:43
  owned
• 4:43
  a
• 4:43
  couple
• 4:43
  of
• 4:43
  them.
• 4:44
  Well,
• 4:44
  so
• 4:45
  I
• 4:45
  picked
• 4:45
  up
• 4:45
  the
• 4:45
  phone,
• 4:45
  I
• 4:45
  said
• 4:46
  to
• 4:46
  my
• 4:46
  wife,
• 4:46
  I
• 4:46
  said,
• 4:46
  you
• 4:46
  got
• 4:46
  to
• 4:47
  come
• 4:47
  down
• 4:47
  and
• 4:47
  check
• 4:47
  out
• 4:47
  this
• 4:48
  car
• 4:48
  I
• 4:48
  found
• 4:48
  at
• 4:48
  the
• 4:48
  car
• 4:49
  dealership.
• 4:49
  And
• 4:50
  she
• 4:50
  said,
• 4:50
  okay,
• 4:50
  Ralph,
• 4:51
  I
• 4:51
  want
• 4:51
  to
• 4:51
  take
• 4:51
  the
• 4:51
  kids
• 4:51
  for
• 4:52
  a
• 4:52
  ride.
• 4:52
  Anyway,
• 4:52
  so
• 4:52
  the
• 4:52
  wife
• 4:53
  pulls
• 4:53
  up,
• 4:53
  and
• 4:54
  I'm
• 4:54
  out
• 4:54
  there
• 4:54
  with
• 4:54
  the
• 4:54
  car
• 4:55
  salesman,
• 4:55
  and
• 4:56
  we're
• 4:56
  admiring
• 4:56
  this
• 4:57
  beautiful
• 4:57
  red
• 4:57
  Corvette.
• 4:58
  And
• 4:58
  my
• 4:58
  wife
• 4:59
  says,
• 4:59
  where
• 5:00
  do
• 5:00
  we
• 5:00
  put
• 5:00
  the
• 5:00
  car
• 5:00
  seats?
• 5:02
  And
• 5:02
  of
• 5:02
  course,
• 5:02
  the
• 5:02
  salesman's
• 5:03
  like,
• 5:03
  ma',
• 5:03
  am,
• 5:03
  this
• 5:04
  is
• 5:04
  a
• 5:04
  two
• 5:04
  seater.
• 5:05
  Well,
• 5:06
  again,
• 5:06
  didn't
• 5:07
  work
• 5:07
  out
• 5:07
  for
• 5:07
  me.
• 5:08
  Fortunately,
• 5:08
  I
• 5:09
  had
• 5:09
  somebody
• 5:09
  look
• 5:09
  out
• 5:09
  for
• 5:10
  me
• 5:10
  then.
• 5:11
  But
• 5:11
  I
• 5:11
  didn't
• 5:12
  make
• 5:12
  that
• 5:12
  mistake.
• 5:14
  But
• 5:14
  even
• 5:14
  if
• 5:14
  I
• 5:14
  had
• 5:15
  done
• 5:15
  that,
• 5:16
  the
• 5:16
  goal
• 5:17
  isn't
• 5:17
  to
• 5:17
  erase
• 5:18
  the
• 5:18
  past.
• 5:19
  You've
• 5:20
  already
• 5:20
  made
• 5:20
  the
• 5:20
  decision.
• 5:21
  You've
• 5:21
  already
• 5:21
  decided
• 5:22
  you
• 5:22
  already
• 5:22
  have
• 5:22
  the
• 5:23
  car.
• 5:23
  The
• 5:24
  goal
• 5:24
  is
• 5:24
  to
• 5:24
  make
• 5:24
  a
• 5:25
  better
• 5:25
  decision
• 5:25
  from
• 5:25
  this
• 5:26
  point
• 5:26
  forward.
• 5:28
  One
• 5:28
  bad
• 5:28
  decision
• 5:28
  doesn't
• 5:29
  get
• 5:29
  to
• 5:29
  write
• 5:29
  the
• 5:30
  rest
• 5:30
  of
• 5:30
  your
• 5:30
  story.
• 5:31
  But
• 5:32
  how
• 5:32
  do
• 5:32
  we
• 5:32
  transition
• 5:33
  past
• 5:33
  this,
• 5:33
  we've
• 5:33
  really
• 5:34
  got
• 5:34
  to
• 5:34
  move
• 5:34
  on
• 5:34
  to
• 5:34
  the
• 5:34
  next
• 5:34
  thing
• 5:35
  and
• 5:36
  we've
• 5:36
  got
• 5:36
  to
• 5:36
  get
• 5:36
  painfully
• 5:37
  honest
• 5:37
  with
• 5:37
  the
• 5:38
  numbers.
• 5:38
  This
• 5:39
  is
• 5:39
  the
• 5:39
  thing
• 5:39
  I
• 5:39
  don't
• 5:40
  hear
• 5:40
  you
• 5:40
  talking
• 5:40
  a
• 5:40
  lot
• 5:40
  about.
• 5:40
  You
• 5:41
  said,
• 5:41
  oh,
• 5:41
  it's
• 5:41
  about
• 5:41
  a
• 5:41
  thousand
• 5:42
  dollars.
• 5:43
  Well,
• 5:43
  before
• 5:43
  you
• 5:43
  decide
• 5:44
  on
• 5:44
  anything,
• 5:44
  you
• 5:45
  need
• 5:45
  the
• 5:45
  real
• 5:45
  facts
• 5:46
  in
• 5:46
  one
• 5:46
  place.
• 5:46
  So
• 5:47
  here's
• 5:47
  what
• 5:47
  I'm
• 5:47
  going
• 5:47
  to
• 5:47
  encourage
• 5:47
  you
• 5:47
  to
• 5:48
  do.
• 5:48
  Write
• 5:49
  down
• 5:49
  the
• 5:49
  current
• 5:49
  loan
• 5:50
  payoff
• 5:50
  amount,
• 5:50
  just
• 5:51
  put
• 5:51
  it
• 5:51
  down
• 5:51
  on
• 5:51
  a
• 5:51
  piece
• 5:51
  of
• 5:51
  paper.
• 5:52
  And
• 5:53
  then
• 5:53
  I
• 5:53
  want
• 5:53
  you
• 5:53
  to
• 5:53
  go
• 5:53
  find
• 5:54
  the
• 5:54
  car's
• 5:54
  current
• 5:54
  market
• 5:55
  value.
• 5:56
  There's
• 5:56
  a
• 5:56
  bunch
• 5:56
  of
• 5:56
  places
• 5:57
  you
• 5:57
  can
• 5:57
  do
• 5:57
  that.
• 5:57
  Kelly's
• 5:58
  Blue
• 5:58
  Book
• 5:58
  is
• 5:59
  a
• 5:59
  good
• 5:59
  one.
• 5:59
  You
• 5:59
  go
• 5:59
  online,
• 6:00
  put
• 6:00
  in
• 6:00
  the
• 6:01
  year,
• 6:01
  the
• 6:01
  make
• 6:01
  and
• 6:02
  model,
• 6:02
  how
• 6:02
  many
• 6:02
  miles
• 6:03
  it
• 6:03
  has,
• 6:03
  but
• 6:04
  put
• 6:04
  the
• 6:04
  current
• 6:04
  market
• 6:04
  value
• 6:05
  on
• 6:05
  there.
• 6:05
  Then
• 6:06
  I
• 6:06
  want
• 6:06
  you
• 6:06
  to
• 6:06
  list
• 6:06
  the
• 6:07
  monthly
• 6:07
  payment.
• 6:08
  I
• 6:08
  want
• 6:08
  you
• 6:08
  to
• 6:08
  list
• 6:08
  the
• 6:09
  insurance,
• 6:09
  the
• 6:10
  gas,
• 6:10
  the
• 6:10
  maintenance,
• 6:11
  and
• 6:11
  all
• 6:11
  those
• 6:11
  registration
• 6:12
  costs.
• 6:13
  And
• 6:13
  then
• 6:13
  I
• 6:13
  want
• 6:14
  you
• 6:14
  to
• 6:14
  check
• 6:14
  the
• 6:14
  interest
• 6:14
  rate
• 6:15
  and
• 6:15
  how
• 6:16
  much
• 6:16
  each
• 6:16
  of
• 6:16
  that
• 6:17
  payment
• 6:17
  is
• 6:17
  actually
• 6:18
  reducing
• 6:18
  principal.
• 6:19
  Because
• 6:19
  what
• 6:19
  you
• 6:20
  said
• 6:20
  is
• 6:20
  I've
• 6:20
  been
• 6:20
  paying
• 6:20
  for
• 6:21
  a
• 6:21
  year
• 6:21
  and
• 6:22
  I
• 6:22
  haven't
• 6:22
  put
• 6:22
  a
• 6:22
  dent
• 6:23
  in
• 6:23
  it.
• 6:23
  Well,
• 6:23
  that's
• 6:23
  because
• 6:23
  interest
• 6:24
  is
• 6:24
  always
• 6:24
  front
• 6:25
  loaded.
• 6:25
  You're
• 6:25
  going
• 6:25
  to
• 6:25
  pay
• 6:26
  more
• 6:26
  interest
• 6:26
  at
• 6:26
  the
• 6:26
  beginning.
• 6:27
  But
• 6:28
  the
• 6:28
  reason
• 6:28
  I
• 6:28
  want
• 6:28
  you
• 6:28
  to
• 6:28
  do
• 6:28
  all
• 6:29
  this,
• 6:29
  I
• 6:29
  want
• 6:29
  you
• 6:29
  to
• 6:30
  figure
• 6:30
  out
• 6:30
  whether
• 6:30
  you're
• 6:30
  upside
• 6:31
  down.
• 6:31
  Now,
• 6:31
  if
• 6:32
  you
• 6:32
  never
• 6:32
  heard
• 6:32
  the
• 6:32
  term
• 6:33
  upside
• 6:33
  down
• 6:33
  or
• 6:33
  underwater,
• 6:34
  what
• 6:34
  that
• 6:35
  means
• 6:35
  is
• 6:35
  you
• 6:35
  owe
• 6:35
  more
• 6:36
  than
• 6:36
  the
• 6:36
  car
• 6:36
  is
• 6:37
  worth
• 6:37
  in
• 6:37
  there
• 6:37
  many
• 6:38
  times.
• 6:39
  Now,
• 6:39
  all
• 6:39
  of
• 6:40
  this
• 6:40
  isn't
• 6:40
  about
• 6:40
  making
• 6:41
  yourself
• 6:41
  feel
• 6:41
  worse,
• 6:42
  but
• 6:42
  it's
• 6:43
  about
• 6:43
  replacing
• 6:43
  that
• 6:44
  vague
• 6:44
  panic
• 6:44
  with
• 6:45
  specific
• 6:45
  truth.
• 6:46
  Because
• 6:46
  what
• 6:47
  I've
• 6:47
  learned,
• 6:48
  fear
• 6:48
  grows
• 6:49
  in
• 6:49
  vagueness,
• 6:50
  but
• 6:50
  wisdom
• 6:51
  grows
• 6:51
  in
• 6:51
  facts.
• 6:52
  And
• 6:53
  once
• 6:53
  you've
• 6:53
  assembled
• 6:53
  all
• 6:54
  the
• 6:54
  facts,
• 6:54
  now
• 6:55
  it's
• 6:55
  time
• 6:55
  to
• 6:55
  look
• 6:55
  at
• 6:56
  your
• 6:56
  real
• 6:56
  options.
• 6:57
  But
• 6:57
  you
• 6:57
  got
• 6:58
  to
• 6:58
  do
• 6:58
  it
• 6:58
  calmly.
• 6:59
  Like
• 6:59
  I
• 6:59
  said,
• 6:59
  you
• 6:59
  got
• 7:00
  to
• 7:00
  know
• 7:00
  the
• 7:00
  numbers
• 7:01
  and
• 7:01
  then
• 7:01
  you
• 7:01
  can
• 7:01
  look
• 7:02
  at
• 7:02
  the
• 7:02
  choices.
• 7:02
  So
• 7:02
  I'm
• 7:03
  going
• 7:03
  to
• 7:03
  be
• 7:03
  very
• 7:03
  practical
• 7:04
  today.
• 7:04
  Here
• 7:04
  are
• 7:05
  what
• 7:05
  I
• 7:05
  think
• 7:05
  your
• 7:05
  options
• 7:06
  are.
• 7:06
  Option
• 7:07
  number
• 7:07
  one,
• 7:08
  you
• 7:08
  keep
• 7:08
  the
• 7:08
  car
• 7:08
  for
• 7:09
  now
• 7:09
  and
• 7:09
  you
• 7:09
  make
• 7:09
  a
• 7:10
  plan
• 7:10
  to
• 7:10
  stabilize
• 7:11
  the
• 7:11
  rest
• 7:11
  of
• 7:11
  your
• 7:11
  budget.
• 7:12
  You
• 7:12
  may
• 7:12
  have
• 7:12
  to
• 7:13
  cut
• 7:13
  from
• 7:13
  here,
• 7:13
  cut
• 7:14
  from
• 7:14
  there,
• 7:14
  but
• 7:14
  you're
• 7:14
  going
• 7:14
  to
• 7:14
  keep
• 7:14
  the
• 7:15
  car
• 7:15
  and
• 7:15
  you
• 7:16
  figure
• 7:16
  out
• 7:16
  your
• 7:16
  budget
• 7:16
  on
• 7:17
  the
• 7:17
  other
• 7:17
  side.
• 7:17
  That's
• 7:17
  the
• 7:17
  first
• 7:18
  option.
• 7:18
  Second
• 7:19
  option
• 7:20
  is
• 7:20
  to
• 7:20
  refinance
• 7:21
  it.
• 7:21
  If
• 7:21
  your
• 7:22
  credit
• 7:22
  and
• 7:22
  the
• 7:22
  rates
• 7:23
  make
• 7:23
  that
• 7:23
  worthwhile,
• 7:24
  you
• 7:24
  got
• 7:24
  to
• 7:24
  look
• 7:24
  and
• 7:24
  see
• 7:25
  what's
• 7:25
  your
• 7:25
  credit
• 7:26
  score,
• 7:26
  what
• 7:27
  is
• 7:27
  the
• 7:27
  interest
• 7:27
  rates.
• 7:28
  Now,
• 7:28
  does
• 7:28
  it
• 7:28
  make
• 7:29
  sense
• 7:29
  to
• 7:29
  do
• 7:29
  that?
• 7:29
  Maybe
• 7:29
  you
• 7:29
  can
• 7:30
  refinance
• 7:30
  it
• 7:30
  and
• 7:30
  bring
• 7:31
  that
• 7:31
  payment
• 7:31
  around
• 7:31
  down
• 7:32
  a
• 7:32
  little
• 7:32
  bit,
• 7:32
  but
• 7:32
  Just
• 7:32
  remember,
• 7:33
  if
• 7:33
  you
• 7:33
  do
• 7:34
  that,
• 7:34
  you
• 7:34
  might
• 7:34
  be
• 7:34
  taking
• 7:35
  that
• 7:35
  term
• 7:35
  a
• 7:35
  little
• 7:35
  bit
• 7:35
  longer.
• 7:36
  So
• 7:36
  that's
• 7:36
  option
• 7:36
  two.
• 7:37
  Here's
• 7:38
  option
• 7:38
  number
• 7:38
  three.
• 7:38
  You
• 7:39
  might
• 7:39
  not
• 7:39
  love
• 7:39
  this
• 7:39
  option,
• 7:40
  but
• 7:40
  you
• 7:40
  could
• 7:41
  sell
• 7:41
  the
• 7:41
  car
• 7:42
  and
• 7:42
  you
• 7:42
  could
• 7:42
  recover
• 7:43
  any
• 7:43
  negative
• 7:43
  equity
• 7:44
  with
• 7:44
  savings
• 7:44
  or
• 7:45
  short
• 7:45
  term
• 7:45
  payoff
• 7:46
  plan.
• 7:46
  Here's
• 7:46
  the
• 7:47
  truth.
• 7:47
  Having
• 7:48
  worked
• 7:48
  in
• 7:48
  the
• 7:48
  industry
• 7:48
  for
• 7:49
  a
• 7:49
  while,
• 7:50
  if
• 7:50
  you've
• 7:50
  only
• 7:50
  owned
• 7:51
  the
• 7:51
  car
• 7:51
  for
• 7:51
  a
• 7:51
  year,
• 7:52
  chances
• 7:52
  are
• 7:52
  you're
• 7:53
  probably
• 7:53
  going
• 7:53
  to
• 7:53
  be
• 7:53
  upside
• 7:54
  down
• 7:54
  on
• 7:54
  it.
• 7:54
  So
• 7:55
  if
• 7:55
  you
• 7:55
  decide
• 7:55
  to
• 7:55
  go
• 7:55
  sell
• 7:56
  it,
• 7:56
  you're
• 7:57
  not
• 7:57
  going
• 7:57
  to
• 7:57
  get
• 7:57
  enough
• 7:58
  in
• 7:58
  the
• 7:58
  sale
• 7:58
  to
• 7:59
  cover
• 7:59
  the
• 7:59
  cost
• 7:59
  of
• 7:59
  the
• 8:00
  loan.
• 8:00
  So
• 8:00
  you
• 8:01
  might
• 8:01
  have
• 8:01
  to
• 8:01
  come
• 8:01
  out
• 8:01
  of
• 8:01
  pocket
• 8:02
  with
• 8:02
  savings
• 8:02
  or
• 8:03
  have
• 8:03
  some
• 8:03
  sort
• 8:03
  of
• 8:03
  short
• 8:04
  term
• 8:04
  payoff
• 8:04
  plan.
• 8:05
  So
• 8:05
  that's
• 8:05
  your
• 8:05
  third
• 8:05
  option.
• 8:06
  Here's
• 8:06
  another
• 8:07
  option
• 8:07
  you
• 8:07
  could
• 8:07
  think
• 8:07
  about.
• 8:08
  You
• 8:08
  could
• 8:08
  trade
• 8:08
  down
• 8:09
  to
• 8:09
  something
• 8:09
  more
• 8:09
  affordable
• 8:10
  if
• 8:10
  the
• 8:11
  math
• 8:11
  fully,
• 8:11
  truly
• 8:12
  improved
• 8:12
  that
• 8:12
  situation.
• 8:13
  I've
• 8:13
  actually
• 8:14
  done
• 8:14
  that
• 8:14
  myself.
• 8:15
  I
• 8:15
  found
• 8:15
  myself
• 8:15
  in
• 8:16
  a
• 8:16
  car
• 8:16
  that
• 8:16
  was
• 8:16
  a
• 8:16
  really
• 8:17
  too
• 8:17
  much.
• 8:17
  I
• 8:18
  went
• 8:18
  back
• 8:18
  to
• 8:18
  the
• 8:18
  dealer
• 8:18
  and
• 8:19
  I
• 8:19
  traded
• 8:19
  down
• 8:19
  to
• 8:20
  something
• 8:20
  a
• 8:20
  little
• 8:20
  less
• 8:20
  expensive
• 8:21
  and
• 8:22
  that
• 8:22
  freed
• 8:22
  up
• 8:22
  some
• 8:22
  money.
• 8:23
  Here's
• 8:24
  the
• 8:24
  last
• 8:24
  option.
• 8:24
  I
• 8:24
  think
• 8:25
  you
• 8:25
  can
• 8:25
  increase
• 8:26
  your
• 8:26
  income
• 8:26
  temporarily
• 8:27
  to
• 8:27
  create
• 8:28
  breathing
• 8:28
  room
• 8:28
  while
• 8:29
  you
• 8:29
  work
• 8:29
  on
• 8:29
  the
• 8:29
  problem,
• 8:30
  maybe
• 8:30
  go
• 8:30
  pick
• 8:30
  up
• 8:31
  a
• 8:31
  side
• 8:31
  job,
• 8:32
  maybe
• 8:32
  do
• 8:32
  some
• 8:32
  Uber
• 8:33
  deliveries,
• 8:33
  go
• 8:34
  find
• 8:34
  a
• 8:34
  little
• 8:34
  extra
• 8:35
  time.
• 8:35
  All
• 8:36
  of
• 8:36
  those
• 8:36
  things
• 8:36
  would
• 8:37
  do
• 8:37
  that
• 8:37
  but
• 8:37
  increase
• 8:38
  the
• 8:38
  income.
• 8:39
  And
• 8:39
  if
• 8:39
  you
• 8:39
  think
• 8:40
  about
• 8:40
  it,
• 8:40
  each
• 8:40
  of
• 8:40
  these
• 8:41
  options
• 8:41
  has
• 8:41
  trade
• 8:42
  offs.
• 8:43
  And
• 8:43
  that's
• 8:43
  why
• 8:43
  you
• 8:43
  don't
• 8:43
  want
• 8:43
  to
• 8:44
  make
• 8:44
  a
• 8:44
  panic
• 8:44
  decision.
• 8:45
  Because
• 8:46
  sometimes
• 8:46
  the
• 8:46
  wisest
• 8:47
  move
• 8:47
  is
• 8:47
  not
• 8:47
  the
• 8:48
  one
• 8:48
  that
• 8:48
  feels
• 8:48
  the
• 8:48
  best
• 8:49
  emotion.
• 8:49
  I'm
• 8:49
  sure
• 8:49
  it's
• 8:50
  not
• 8:50
  going
• 8:50
  to
• 8:50
  feel
• 8:50
  great
• 8:51
  to
• 8:51
  go
• 8:51
  sell
• 8:52
  the
• 8:52
  car
• 8:52
  or
• 8:53
  to
• 8:53
  trade
• 8:53
  down,
• 8:54
  but
• 8:55
  those,
• 8:55
  truth
• 8:55
  is
• 8:56
  those
• 8:56
  are
• 8:56
  the
• 8:56
  ones
• 8:56
  that
• 8:57
  usually
• 8:57
  reduce
• 8:57
  that
• 8:58
  long
• 8:58
  term
• 8:58
  damage.
• 8:59
  So
• 8:59
  don't
• 9:00
  ask
• 9:00
  yourself
• 9:00
  what
• 9:00
  feels
• 9:01
  the
• 9:01
  fastest.
• 9:02
  Ask
• 9:03
  what
• 9:03
  is
• 9:03
  actually
• 9:04
  the
• 9:04
  wisest.
• 9:05
  But
• 9:06
  big
• 9:06
  picture,
• 9:06
  here's
• 9:06
  what
• 9:06
  I
• 9:07
  want
• 9:07
  you
• 9:07
  to
• 9:07
  do.
• 9:07
  Overall,
• 9:08
  you
• 9:08
  got
• 9:08
  to
• 9:08
  make
• 9:09
  this
• 9:09
  a
• 9:09
  turning
• 9:09
  point
• 9:09
  in
• 9:10
  your
• 9:10
  life.
• 9:11
  Painful
• 9:11
  decisions
• 9:12
  can
• 9:12
  become
• 9:13
  powerful
• 9:13
  teachers
• 9:13
  if
• 9:14
  we
• 9:14
  let
• 9:14
  them.
• 9:15
  You
• 9:15
  can
• 9:15
  use
• 9:16
  this
• 9:16
  moment
• 9:16
  to
• 9:16
  reshape
• 9:17
  how
• 9:17
  you
• 9:17
  think
• 9:17
  about
• 9:17
  payments,
• 9:18
  how
• 9:18
  you
• 9:18
  think
• 9:19
  about
• 9:19
  your
• 9:19
  lifestyle,
• 9:20
  your
• 9:20
  image,
• 9:20
  and
• 9:21
  even
• 9:21
  contentment.
• 9:22
  A
• 9:23
  lot
• 9:23
  of
• 9:23
  people
• 9:23
  don't
• 9:23
  realize
• 9:24
  how
• 9:24
  much
• 9:24
  money
• 9:24
  decisions
• 9:25
  are
• 9:25
  tied
• 9:25
  to
• 9:26
  their
• 9:26
  identity.
• 9:27
  One
• 9:27
  of
• 9:27
  the
• 9:28
  things
• 9:28
  you
• 9:28
  mentioned
• 9:28
  is
• 9:28
  you
• 9:28
  want
• 9:29
  to
• 9:29
  feel
• 9:29
  successful
• 9:30
  and
• 9:31
  I
• 9:31
  completely
• 9:31
  understand
• 9:32
  that.
• 9:33
  But
• 9:33
  the
• 9:33
  lesson
• 9:33
  to
• 9:34
  learn
• 9:34
  here
• 9:34
  is
• 9:34
  that
• 9:34
  looking
• 9:35
  successful
• 9:36
  and
• 9:36
  being
• 9:37
  financially
• 9:37
  healthy
• 9:38
  are
• 9:39
  not
• 9:39
  always
• 9:39
  the
• 9:39
  same
• 9:39
  thing.
• 9:41
  So
• 9:41
  I
• 9:41
  want
• 9:41
  to
• 9:42
  encourage
• 9:42
  you
• 9:42
  to
• 9:42
  let
• 9:42
  this
• 9:42
  experience
• 9:43
  build
• 9:43
  some
• 9:43
  discernment
• 9:44
  and
• 9:44
  not
• 9:45
  bitterness.
• 9:46
  The
• 9:46
  goal
• 9:46
  isn't
• 9:47
  to
• 9:47
  live
• 9:47
  scared
• 9:48
  forever.
• 9:49
  The
• 9:49
  goal
• 9:49
  is
• 9:49
  to
• 9:49
  become
• 9:50
  wiser
• 9:50
  going
• 9:51
  Forward.
• 9:52
  Because
• 9:52
  the
• 9:52
  truth
• 9:52
  is
• 9:54
  regret
• 9:54
  can
• 9:54
  either
• 9:54
  trap
• 9:55
  you
• 9:55
  or
• 9:56
  it
• 9:56
  can
• 9:56
  train
• 9:56
  you.
• 9:57
  So
• 9:57
  what
• 9:58
  do
• 9:58
  you
• 9:58
  do
• 9:58
  this
• 9:58
  week?
• 9:58
  So
• 9:59
  I'm
• 9:59
  going
• 9:59
  to
• 9:59
  encourage
• 9:59
  you
• 9:59
  to
• 9:59
  do,
• 10:00
  sit
• 10:00
  down
• 10:00
  and
• 10:00
  gather
• 10:01
  the
• 10:01
  real
• 10:01
  numbers
• 10:02
  and
• 10:02
  stop
• 10:02
  speaking
• 10:03
  to
• 10:03
  yourself
• 10:04
  like
• 10:04
  you
• 10:04
  won
• 10:04
  decisions,
• 10:05
  ruined
• 10:05
  your
• 10:06
  life.
• 10:06
  Compare
• 10:07
  your
• 10:07
  options
• 10:07
  on
• 10:08
  paper
• 10:08
  and
• 10:08
  not
• 10:09
  panic.
• 10:09
  And
• 10:10
  choose
• 10:10
  the
• 10:10
  path
• 10:10
  that
• 10:11
  brings
• 10:11
  the
• 10:11
  most
• 10:11
  long
• 10:11
  term
• 10:12
  stability
• 10:12
  for
• 10:12
  you,
• 10:13
  even
• 10:13
  if
• 10:13
  it's
• 10:14
  uncomfortable
• 10:14
  in
• 10:14
  the
• 10:14
  short
• 10:15
  term.
• 10:16
  But
• 10:16
  now
• 10:16
  I
• 10:16
  want
• 10:16
  to
• 10:16
  take
• 10:16
  this
• 10:17
  a
• 10:17
  little
• 10:17
  deeper
• 10:18
  because
• 10:18
  what
• 10:18
  may
• 10:19
  really
• 10:19
  be
• 10:19
  hurting
• 10:19
  here
• 10:20
  isn't
• 10:20
  just
• 10:20
  the
• 10:20
  payment.
• 10:22
  It's
• 10:22
  what
• 10:22
  that
• 10:22
  payment
• 10:23
  means
• 10:23
  to
• 10:23
  you.
• 10:24
  It
• 10:25
  probably
• 10:25
  feels
• 10:25
  like
• 10:25
  proof
• 10:25
  that
• 10:26
  you
• 10:26
  got
• 10:26
  caught
• 10:26
  up,
• 10:27
  you
• 10:27
  wanted
• 10:28
  something
• 10:28
  too
• 10:28
  quickly
• 10:29
  and
• 10:29
  now
• 10:29
  you're
• 10:30
  paying
• 10:30
  for
• 10:30
  it
• 10:31
  in
• 10:31
  more
• 10:31
  ways
• 10:32
  than
• 10:32
  one.
• 10:33
  And
• 10:33
  that
• 10:34
  kind
• 10:34
  of
• 10:34
  regret
• 10:34
  can
• 10:34
  get
• 10:34
  heavy
• 10:35
  fast.
• 10:36
  And
• 10:36
  if
• 10:36
  you're
• 10:36
  not
• 10:37
  careful,
• 10:37
  that
• 10:38
  regret
• 10:38
  turns
• 10:38
  into
• 10:39
  shame.
• 10:40
  And
• 10:40
  then
• 10:40
  shame
• 10:41
  starts
• 10:41
  talking
• 10:41
  like
• 10:42
  your
• 10:42
  whole
• 10:42
  future
• 10:43
  is
• 10:43
  ruined.
• 10:44
  But
• 10:44
  I
• 10:45
  want
• 10:45
  to
• 10:45
  encourage
• 10:45
  you,
• 10:46
  that's
• 10:46
  not
• 10:46
  the
• 10:47
  voice
• 10:47
  of
• 10:47
  God
• 10:47
  you're
• 10:47
  hearing.
• 10:49
  Yes,
• 10:49
  God
• 10:49
  will
• 10:49
  convict
• 10:50
  you,
• 10:51
  he'll
• 10:51
  correct
• 10:51
  you
• 10:52
  and
• 10:52
  he'll
• 10:53
  lead
• 10:53
  us
• 10:53
  to
• 10:53
  wisdom.
• 10:54
  But
• 10:55
  he
• 10:55
  doesn't
• 10:55
  bury
• 10:56
  us
• 10:56
  under
• 10:56
  shame
• 10:56
  and
• 10:57
  call
• 10:57
  that
• 10:57
  growth.
• 10:58
  You
• 10:59
  own
• 10:59
  a
• 10:59
  bad
• 10:59
  decision,
• 11:01
  but
• 11:01
  you
• 11:01
  don't
• 11:01
  own
• 11:01
  that
• 11:02
  to
• 11:02
  make
• 11:02
  your
• 11:02
  identity
• 11:03
  this
• 11:03
  for
• 11:03
  the
• 11:03
  rest
• 11:03
  of
• 11:03
  your
• 11:04
  life,
• 11:04
  you
• 11:04
  can
• 11:04
  face
• 11:04
  the
• 11:05
  numbers
• 11:06
  without
• 11:06
  losing
• 11:07
  hope.
• 11:08
  And
• 11:08
  always
• 11:09
  you
• 11:09
  can
• 11:09
  ask
• 11:09
  God
• 11:10
  for
• 11:10
  wisdom
• 11:10
  right
• 11:11
  in
• 11:11
  the
• 11:11
  middle
• 11:11
  of
• 11:11
  this
• 11:12
  mess.
• 11:13
  Because
• 11:13
  you
• 11:13
  don't
• 11:14
  need
• 11:14
  a
• 11:14
  perfect
• 11:14
  financial
• 11:14
  past
• 11:15
  to
• 11:15
  build
• 11:15
  a
• 11:15
  faithful
• 11:16
  financial
• 11:16
  future.
• 11:17
  So
• 11:17
  here's
• 11:18
  your
• 11:18
  win
• 11:18
  for
• 11:18
  this
• 11:18
  week.
• 11:19
  As
• 11:19
  I
• 11:19
  said,
• 11:19
  write
• 11:19
  down
• 11:19
  the
• 11:20
  exact
• 11:20
  loan
• 11:20
  payoff
• 11:21
  amount,
• 11:21
  look
• 11:22
  up
• 11:22
  the
• 11:22
  car's
• 11:22
  current
• 11:22
  market
• 11:23
  value,
• 11:23
  put
• 11:23
  both
• 11:24
  numbers
• 11:24
  on
• 11:24
  the
• 11:24
  page,
• 11:25
  and
• 11:25
  then
• 11:25
  let
• 11:26
  truth
• 11:26
  not
• 11:26
  panic
• 11:27
  be
• 11:27
  the
• 11:27
  beginning
• 11:28
  of
• 11:28
  your
• 11:28
  plan.
• 11:29
  Well,
• 11:29
  let's
• 11:29
  get
• 11:29
  to
• 11:29
  our
• 11:30
  Bible
• 11:30
  verse
• 11:30
  today
• 11:30
  comes
• 11:31
  from
• 11:31
  the
• 11:31
  book
• 11:31
  of
• 11:31
  Proverbs,
• 11:32
  chapter
• 11:32
  24,
• 11:33
  verse
• 11:33
  16.
• 11:34
  It
• 11:35
  says,
• 11:35
  for
• 11:35
  though
• 11:35
  the
• 11:36
  righteous
• 11:36
  fall
• 11:36
  seven
• 11:37
  times,
• 11:37
  they
• 11:38
  rise
• 11:38
  again,
• 11:39
  but
• 11:39
  the
• 11:40
  wicked
• 11:40
  stumble
• 11:40
  when
• 11:41
  calamity
• 11:41
  strikes.
• 11:42
  Now
• 11:43
  I'm
• 11:43
  going
• 11:43
  to
• 11:43
  add
• 11:43
  to
• 11:43
  this.
• 11:44
  Maybe
• 11:44
  you're
• 11:44
  going
• 11:44
  to
• 11:44
  fall
• 11:45
  eight
• 11:45
  or
• 11:45
  nine
• 11:45
  times.
• 11:46
  It's
• 11:47
  just
• 11:47
  the
• 11:47
  way
• 11:47
  it
• 11:47
  works.
• 11:48
  But
• 11:48
  a
• 11:49
  fall
• 11:49
  is
• 11:49
  not
• 11:49
  the
• 11:50
  end
• 11:50
  of
• 11:50
  the
• 11:50
  story.
• 11:51
  What
• 11:51
  matters
• 11:52
  now
• 11:52
  is
• 11:52
  you
• 11:52
  get
• 11:53
  back
• 11:53
  up
• 11:53
  with
• 11:53
  wisdom.
• 11:54
  And
• 11:54
  I'm
• 11:54
  confident
• 11:55
  you
• 11:55
  can
• 11:55
  do
• 11:55
  that.
• 11:56
  How
• 11:56
  about
• 11:56
  we
• 11:56
  pray
• 11:56
  together?
• 11:57
  Heavenly
• 11:58
  Father,
• 11:58
  I
• 11:59
  lift
• 11:59
  up
• 11:59
  the
• 11:59
  person
• 11:59
  carrying
• 12:00
  that
• 12:00
  financial
• 12:01
  regret
• 12:01
  right
• 12:01
  now.
• 12:02
  I
• 12:03
  know
• 12:03
  the
• 12:03
  pressure
• 12:03
  they
• 12:03
  feel
• 12:04
  every
• 12:04
  month.
• 12:05
  You
• 12:05
  know,
• 12:05
  the
• 12:06
  self
• 12:06
  blame
• 12:06
  and
• 12:07
  the
• 12:07
  fear
• 12:07
  and
• 12:07
  the
• 12:07
  frustration
• 12:08
  that
• 12:08
  comes
• 12:08
  in
• 12:09
  realizing
• 12:09
  a
• 12:09
  decision
• 12:09
  costs
• 12:10
  more
• 12:10
  than
• 12:10
  they
• 12:10
  expected.
• 12:12
  Help
• 12:12
  them
• 12:12
  to
• 12:12
  face
• 12:13
  this
• 12:13
  situation
• 12:13
  honestly
• 12:14
  without
• 12:14
  spiraling
• 12:15
  into
• 12:15
  shame.
• 12:16
  Give
• 12:17
  them
• 12:17
  wisdom
• 12:17
  to
• 12:17
  understand
• 12:18
  the
• 12:18
  numbers
• 12:18
  clearly.
• 12:19
  Give
• 12:20
  them
• 12:20
  patience
• 12:20
  to
• 12:20
  make
• 12:21
  a
• 12:21
  sound
• 12:21
  decision.
• 12:22
  Give
• 12:22
  them
• 12:23
  courage
• 12:23
  to
• 12:23
  choose
• 12:24
  what
• 12:24
  is
• 12:24
  healthy
• 12:25
  even
• 12:25
  if
• 12:25
  it's
• 12:25
  humbling.
• 12:26
  Lord,
• 12:27
  remind
• 12:27
  them
• 12:27
  that
• 12:28
  one
• 12:28
  mistake
• 12:28
  doesn't
• 12:29
  define
• 12:29
  their
• 12:29
  worth
• 12:30
  and
• 12:30
  doesn't
• 12:31
  have
• 12:31
  to
• 12:31
  define
• 12:31
  their
• 12:31
  future.
• 12:32
  And
• 12:33
  I
• 12:33
  just
• 12:33
  ask
• 12:33
  that
• 12:33
  you
• 12:33
  would
• 12:34
  help
• 12:34
  us
• 12:34
  to
• 12:34
  use
• 12:34
  this
• 12:34
  hard
• 12:35
  season
• 12:35
  to
• 12:35
  build
• 12:36
  maturity,
• 12:37
  discernment
• 12:38
  and
• 12:38
  stronger
• 12:39
  stewardship.
• 12:40
  And
• 12:40
  Lord
• 12:41
  I
• 12:41
  just
• 12:41
  ask
• 12:41
  that
• 12:41
  you
• 12:41
  would
• 12:42
  bring
• 12:42
  peace
• 12:42
  where
• 12:42
  panic
• 12:43
  has
• 12:43
  taken
• 12:43
  hold
• 12:44
  and
• 12:44
  hope
• 12:45
  where
• 12:45
  regret
• 12:46
  feels
• 12:46
  heavy.
• 12:47
  And
• 12:47
  we
• 12:47
  ask
• 12:47
  this
• 12:48
  in
• 12:48
  Jesus
• 12:48
  name.
• 12:50
  Amen
• 12:52
  friend.
• 12:52
  One
• 12:52
  painful
• 12:53
  decision
• 12:53
  doesn't
• 12:54
  get
• 12:54
  to
• 12:54
  define
• 12:54
  the
• 12:54
  rest
• 12:55
  of
• 12:55
  your
• 12:55
  financial
• 12:55
  life.
• 12:56
  So
• 12:57
  I
• 12:57
  want
• 12:57
  to
• 12:57
  encourage
• 12:57
  you
• 12:57
  today.
• 12:58
  Face
• 12:58
  it
• 12:58
  honestly,
• 12:59
  learn
• 13:00
  from
• 13:00
  it
• 13:01
  and
• 13:01
  take
• 13:01
  that
• 13:01
  next
• 13:01
  wise
• 13:02
  step.
• 13:03
  And
• 13:03
  maybe
• 13:04
  you're
• 13:04
  carrying
• 13:04
  a
• 13:04
  money
• 13:04
  question
• 13:05
  or
• 13:05
  a
• 13:05
  financial
• 13:05
  decision
• 13:06
  that's
• 13:06
  keeping
• 13:06
  you
• 13:06
  up
• 13:07
  at
• 13:07
  night.
• 13:07
  I
• 13:08
  want
• 13:08
  to
• 13:08
  hear
• 13:08
  from
• 13:08
  you
• 13:09
  head
• 13:09
  to
• 13:09
  financiallyconfidentchristian.com/question
• 13:13
  Let
• 13:13
  me
• 13:13
  know
• 13:13
  what's
• 13:13
  on
• 13:14
  your
• 13:14
  mind.
• 13:14
  Again,
• 13:15
  that's
• 13:15
  financiallyconfidentchristian.com/question
• 13:18
  question.
• 13:19
  Thank
• 13:19
  you
• 13:19
  so
• 13:19
  much
• 13:19
  for
• 13:20
  joining
• 13:20
  me
• 13:20
  today.
• 13:21
  Stay
• 13:21
  financially
• 13:22
  savvy.
• 13:23
  May
• 13:23
  God
• 13:23
  bless
• 13:23
  you
• 13:24
  and
• 13:24
  you
• 13:25
  have
• 13:25
  a
• 13:25
  truly
• 13:25
  great
• 13:25
  day.
• 13:34
  We
• 13:35
  ride.